The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$30,126
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,063
−HK$952/mo
Today · 4.125%
HK$32,015
baseline
▲ 0.50% · 4.625%
HK$33,963
+HK$1,948/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,030/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,515
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,414
−HK$912/mo
Today · 4.125%
HK$35,326
baseline
▲ 0.50% · 4.625%
HK$37,188
+HK$1,862/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,652/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,151
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,276
−HK$1,142/mo
Today · 4.125%
HK$38,418
baseline
▲ 0.50% · 4.625%
HK$40,756
+HK$2,338/mo
Deposit HK$5.28M · loan HK$7.93M · min. income ≈ HK$76,836/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,218
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,297
−HK$1,094/mo
Today · 4.125%
HK$42,391
baseline
▲ 0.50% · 4.625%
HK$44,625
+HK$2,234/mo
Deposit HK$5.28M · loan HK$7.93M · min. income ≈ HK$84,782/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,177
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,488
−HK$1,333/mo
Today · 4.125%
HK$44,821
baseline
▲ 0.50% · 4.625%
HK$47,549
+HK$2,728/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$89,642/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,921
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,179
−HK$1,277/mo
Today · 4.125%
HK$49,456
baseline
▲ 0.50% · 4.625%
HK$52,063
+HK$2,607/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$98,912/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,227
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$55,914
−HK$1,713/mo
Today · 4.125%
HK$57,627
baseline
▲ 0.50% · 4.625%
HK$61,134
+HK$3,507/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$115,254/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,327
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,945
−HK$1,641/mo
Today · 4.125%
HK$63,586
baseline
▲ 0.50% · 4.625%
HK$66,938
+HK$3,352/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$127,172/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,439 · Scale 2, in force from 26 Feb 2026)